Personal Cycle Insurance

Bodily Injury and Property Damage (BI/PD)
Coverage pays for your defense costs and any damages you are found liable for as a result of an auto accident, up to the limits of your policy. You may be sued if you’re involved in an accident. If this happens, your no-fault policy will pay up to the amounts shown in the liability section. Your liability could be over and above your policy limits. If this occurs, you would be responsible for paying the amount not covered by your policy. To protect yourself, higher limits are encouraged and/or purchasing a personal umbrella policy.

Comprehensive Coverage
Comprehensive covers you for Fire, Theft, Glass Breakage and Vandalism. Many companies require a deductible on this coverage.

Collision Coverage
Collision coverage pays to repair or replace your vehicle if it is damaged in an accident. This coverage is available with or without deductibles.

Uninsured/Underinsured Motorist Insurance
This coverage is optional. It will compensate you for pain and suffering and excess wage loss. Coverage would apply if you are involved with another vehicle that is uninsured.

Accessory Coverage
Coverage provides physical damage protection to equipment, devices, accessories, enhancements, and changes, other than those which are original manufacturer installed, which are permanently installed or attached, and alter the appearance or performance of the vehicle. This includes, but is not limited to:

• Any electronic equipment, antennas and other devices used exclusively to send or receive audio, visual or data signals or play back recorded media, other than those which are original manufacturer installed, that are permanently installed on the motorcycle using bolts or brackets, including slide-out brackets, (I.E. fairings, handlebars, seats, windshields, etc);
• Sidecars;
• Trailers designed to be pulled behind a motorcycle or off road vehicle;
• Trike conversion kits;
• Custom paint, custom plating or custom exhaust;
• Mower blades, plow blades or winches;

Medical Payments Coverage
Medical Payments Coverage pays for medical expenses for the named insured and resident relatives of the named insured who are riding in the insured vehicle and injured as a result of an accident. The limit applies to each covered and injured person. Coverage is only extended when no other motor vehicle insurance coverage applies.

Medical Benefits Coverage
Medical Benefits Coverage pays for medical expenses for the named insured and resident relatives of the named insured who are riding in the insured vehicle and injured as a result of an accident. The limit applies to each covered and injured person. Coverage is only extended when no other motor vehicle insurance coverage applies.

Roadside Coverage
Roadside Assistance Coverage provides towing to the nearest qualified repair facility and necessary labor at the place of disablement when the vehicle is disabled due to mechanical or electric breakdown, battery failure, flat tire, lockout, insufficient supply of fuel, oil, water or other fluids, or entrapment in snow, mud, water or sand within 100 feet of the roadway.

For more information, or to speak with a Representative, please contact us at: (888) 376-4714